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Call Us Now: Did you know that Santa Cruz County homeowners are paying on average $795.00/year for home insurance? Qualify for all available homeowners insurance discounts and take the headache out of shopping by getting up to four comparative rates from a licensed HomeInsurance.com agent.
We shop the top providers in California including Travelers, Safeco, The Hartford, Foremost, ASI/Ark Royal and Progressive to make sure we are getting you the best deal out there.
Get home insurance quotes now by selecting your Santa Cruz County city below:
Home Insurance Discounts in Santa Cruz County
- Smoke Alarm Discount: Santa Cruz County homeowners may be able to save up to 15% on home insurance with a smoke alarm discount.
- Claims Free Discount: If you have not filed an insurance claim in Santa Cruz or any other county in the past 10 years, you may be eligible for a claims free discount of up to 20% off your homeowners insurance.
- Retiree Discount: If you are retired, 55 or older and your home is your primary resident, you may be eligible for up to 20% off your Santa Cruz County homeowners policy.
Why You Pay What You Do in Santa Cruz County
California homeowners insurance rates vary for many reasons from one county to the next in California. And with over 255,602 residents in Santa Cruz County (with an average household income of $59,121) we know how much time you all spend shopping for the best quotes available. But don’t let shopping for home insurance become a chore. Fill out one easy quote form, starting with your zip code, and let us shop for you.
One of the top factors affecting your home insurance premium is the amount of dwelling coverage you need. Dwelling coverage is calculated by multiplying the square footage of your home by the average building costs in your area. (Figure, on average, building costs in Santa Cruz County are around $122 per square foot.) Dwelling coverage should not be confused with your home’s market value, which includes land value and is the value of your home if it were listed for sale. (The average home value in Santa Cruz County is $358,829.)
Rates in the area may also be affected by the amount of liability coverage you choose to include in your Santa Cruz County homeowners insurance policy. Liability coverage protects you and your family against lawsuits. The average household in Santa Cruz County is home to 2.78 people, so it’s important to make sure you are all protected by liability insurance.
Get the best rates on Santa Cruz County home insurance by filling out a free quote form and talking with a licensed agent in your area today.
